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SUMMARY:Compliance School (Virtual) – Co-Sponsored by Virginia Bankers Association & North Carolina Bankers Association
DESCRIPTION:Compliance School consists of two tracks\, Lending and Deposits\, and is designed for entry-mid level compliance personnel. \nIn 2022\, the VBA and NCBA will join together to host the virtual school with a three day Lending track and a one day Deposits track. \nLending Track\nConsumer loan product regulations are more complex and detailed than ever with more significant changes and guidance becoming effective at regular intervals. With greater scrutiny comes higher risk of noncompliance and the likelihood of enforcement action and/or civil money penalties. \nThis program offers a comprehensive discussion of consumer compliance regulations and effective assessment methods. Lenders and compliance officers will be better prepared to effectively audit\, train\, and manage the bank’s compliance lending requirements. \nReg B: Equal Credit Opportunity Act \n\nEqual treatment and fair lending considerations\nApplication stages: inquiries\, incompletes\, withdrawals\, denials\, and approvals\nCollection of government monitoring information\nAdverse action rules and business loan denial options\nNew requirements for providing copies of appraisals and evaluations.\n\nFair Credit Reporting Act \n\nPermissible purpose\nRequirements of users of consumer reports• Duties of furnishers of information to a CRA\nRequirements relating to identity theft.\n\nUnfair\, Deceptive\, or Abusive Acts or Practices (UDAAP) \n\nThe FTC Act/Dodd-Frank Act\nStandards for determining what is unfair\, deceptive or abusive.\nDeceptive acts and practices\nAbusive acts or practices\nManaging risks\n\nFlood Disaster Protection Act \n\nFlood insurance eligibility and determination\nPrivate Policy requirements and challenges\nRequired notification and acknowledgment.\nInsurance and escrow requirements\nForce placed insurance\, penalties and liabilities.\nWhat examiners look for in a flood exam.\n\nReg C: Home Mortgage Disclosure Act (HMDA) \n\nRequirements\, responsibility and reporting\nLoan application register\nSetting HMDA audit sampling sizes\nDiscuss common violations.\nDiscuss expanded data field.\n\nReg Z: Truth in Lending Act \n\nCoverage and exemptions\nFinance charges\, annual percentage rate and amount financed\nAdjustable-rate mortgage (ARM) disclosures\nMortgage transfer disclosure\nRight of rescission\nHigher-priced mortgage loans\nHomeownership counseling\nAbility-to-Repay / Qualified Mortgage rules\n\nReg X: Real Estate Settlement Procedures Act (RESPA) \n\nHomeownership counseling\nGeneral disclosure requirements\nRestriction of fees\nEscrow accounts\nMortgage servicing and error resolution procedures\nEarly intervention requirements\, continuity of contact\, and loss mitigation procedures\n\nHomeowners Protection Act (PMI) \n\nCoverage\nCancellation and termination\nDisclosure requirements\nCivil liabilities\n\nReg Z: TILA-RESPA Integrated Disclosures \n\nLoan estimate\nClosing disclosure\nTolerances\n\nMilitary Lending Act \n\nCoverage\nLending limitations / Prohibited practices\nMAPR calculation\nDisclosure requirements
URL:https://www.tcaregs.com/event/compliance-school-virtual-co-sponsored-by-virginia-bankers-association-north-carolina-bankers-association/
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